Before returning to his office, Joe has to

M: I have to change a hundred-dollar bill before we get back to the office. It’ll just take a few minutes. I hope you don’t mind.
W: No, I don’t mind. But Joe, you are crazy.
M: Why?
W: Carrying around all that cash is dangerous! Do you always have that much cash on you?
M: Usually.
W: Don’t you have a checking account?
M: Opening a checking account is such a hassle. It took me two hours just to get a safe deposit box. I hate standing in lines.
W: Well, no one enjoys standing in line, but, Joe, opening a checking account is the easiest thing in the world.
M: Oh, I’m used to using cash for everything.
W: You’ll get used to checks soon enough. How do you pay your utility bills?
M: By money order.
W: What! Isn’t going to the post office or bank for a money order inconvenient? And don’t you have to stand in line for that? Besides, nowadays they have those automatic cash machines all around town.
M: Oh, I suppose you’re right. Carrying around all this cash is silly, isn’t it?
W: It sure is! Well then, as long as you’re here, let’s go over and see one of those officers sitting right over there and you can fill out an application.